Head-to-Head: RBC Avion Rewards vs. American Express Membership Rewards

With so many different rewards programs to choose from, it can be difficult to decide which one suits you best.
That said, if you like the idea of collecting a flexible and transferable rewards currency, you’ll certainly want to consider either the RBC Avion Rewards program or the American Express Membership Reward program (or both).
Both of these options are financial institution-run programs that earn versatile rewards currencies with diverse redemption choices and good value potential.
In this article, we’ll compare these two programs and currencies to see if one is better than the other and how they stack up in different key areas.

RBC Avion Rewards vs. American Express Membership Rewards
To see which of these transferable rewards currencies reigns supreme, we’ll compare the following categories:
- Earning points
- Redeeming points
- Program benefits
Earning Points
Both RBC Avion Rewards and American Express Membership Rewards have a few ways to earn points — namely, with credit cards, through their shopping portal, by booking travel, with partnered programs/merchants, and through referrals.
Credit cards
The RBC Avion Rewards program offers the following credit cards:
These cards represent two different Avion membership levels (i.e., Premium and Elite), and their earning rates range from 1 point per $1 spent up to 3 points per $1 spent with the RBC ION+ Visa Card.
Additionally, many of these cards give you a chance to earn lucrative welcome offers that can help you access free/discounted travel and other valuable redemptions faster.
- Annual fee
- $120
- Our valuation
- $1,050ⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
- Ends Nov 25, 2026
on RBC's website
- Start flying today with 15,000 welcome points
- Earn 1 RBC Rewards point for every dollar you spend
- No blackout periods or seat restrictions – ever
Legal
Refer to RBC page for up to date offer terms and conditions
† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/fr/travel/.
2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
With this limited-time welcome offer, you can earn up to 70,000 Avion points as a welcome bonus with the RBC Avion Visa Platinum Card!
- Receive 35,000 points upon approval
- 20,000 additional points when you spend $5,000 within the first six months of account opening
- 15,000 additional points on the first anniversary of your account opening
You have until November 25, 2026 to apply.
You can use your Avion points for travel or convert them to other loyalty programs such as:
- American Airlines AAdvantage
- British Airways Executive Club (and Qatar Airways Privilege Club)
- Cathay Pacific Asia Miles
- WestJet Rewards
The current welcome offer lets you get the equivalent of 70,000 Avios or 70,000 WestJet points.
With the RBC Avion Visa Platinum Card, you earn 1 point for every dollar spent.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xAll spending
Value
Transfer partners
- American Airlines AAdvantageAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- WestJet RewardsAirline
Travel insurance
Purchase protection
- Annual fee
- $120
- Our valuation
- $1,050ⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,050Total$1,050Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
- Ends Nov 25, 2026
on RBC's website
For a limited time, the RBC Avion Visa Infinite Card offers a welcome bonus of up to 70,000 Avion points, worth up to $1,500 in travel.
- 35,000 points upon approval of your application
- 20,000 points when you charge $5,000 in purchases to your account within the first six months
- 15,000 points on the first anniversary of your account
You can redeem your Avion points for flights with more than 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles and WestJet Rewards.
The card earns you 1.25 points per dollar on eligible travel purchases and 1 point per dollar on all your other eligible purchases. It also includes extensive insurance coverage: emergency medical, trip cancellation and interruption, collision coverage for rental vehicles, and mobile devices.
The annual fee is $120.
Legal
Refer to RBC page for up to date offer terms and conditions
† Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 35,000 Avion points for one round-trip long-haul flight to almost anywhere in Canada or the United States with a maximum ticket price of $750, you will need a minimum of 70,000 Avion Points for two round-trips long-haul flights to almost anywhere in Canada or the United States, exclusive of Hawaii and Alaska. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 60,000 Avion Points for four round-trips within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Eligible Credit Card account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Eligible Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
15,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your Eligible Credit Card account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Eligible Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.
^Point redemptions for flights under the Air Travel Redemption Schedule start at 7,500 points for a short-haul one-way Economy Class flight priced at no more than $175 (and start at 15,000 points for a short-haul round-trip Economy Class flight priced at no more than $350). The traveller is responsible for all applicable taxes, administration fees and surcharges. To learn more, including guidelines regarding redeeming points for a Business Class flight, visit www.avionrewards.com/fr/travel/.
2 Avion points are earned on qualifying net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant) interest charges or fees, and credits for returns and adjustments will reduce or cancel the points earned by the amounts originally charged.
4 To participate in this offer, you must have an RBC debit card or a credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). RBC business clients will only be able to link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card.
You must be enrolled in RBC Online Banking or the RBC Mobile app in order to link your RBC Card to your Petro-Points card. Card linking may take up to 2 business days to process before savings and bonus points can be applied to purchases. A linked RBC Card means an RBC Card linked to a Petro-Points Account. Your linked RBC Card acts as your Petro-Points card. You will automatically earn Petro-Points when you pay for qualifying purchases with your linked RBC Card at Petro-Canada locations and you do not need to swipe your Petro-Points card before you pay. You can redeem your Petro-Points at Petro-Canada using your linked RBC Card. Each time you use your linked RBC Card to purchase any grade of gasoline, or diesel, at a Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction.
6 Each time you use your linked Eligible Avion Rewards Credit Card to pay for purchases at a Petro-Canada Location, you will earn a bonus of twenty percent (20%) more Avion points than you normally earn for every $1 in purchases in accordance with the Avion Rewards Terms and Conditions. Please allow up to ninety (90) days from the date the transaction is posted on your credit card statement for the bonus points to be deposited into Avion Rewards account. Authorized Users are excluded from earning Avion points bonus.
6 Each time you use your eligible linked Avion Rewards credit card to pay for purchases at a Petro-Canada location, you will receive a bonus of twenty percent (20%) more Avion points than you would normally receive for each dollar of purchase, in accordance with the terms of the Avion Rewards program. Please allow up to ninety (90) days from the date the transaction is posted to your credit card statement for your bonus points to be deposited into your Avion Rewards account. Authorized users cannot earn bonus Avion points.
7 Coverage underwritten by RBC Insurance Company of Canada. Please refer to the insurance certificate for complete details. rbc-visa-infinite-avion-certificate-of-insurance.pdf
9 Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
10 The discount of up to 20% off the base rate only (time and mileage) (the “discount”) is offered at participating corporate Hertz locations in Canada and the United States. The discount excludes taxes, tax recovery charges, fees, surcharges and the cost of any optional service, such as refuelling. If you are a personal credit cardholder, you must enter the first six digits of your eligible Avion Rewards card in the CDP number field at the time of booking to receive the discount. For business credit cards and commercial credit cards, a CDP number will be generated upon enrolment in the Hertz Business Rewards program. Please use this CDP identification number for future reservations to take advantage of the discount and the Hertz Business Rewards program. To take advantage of the discount, your colleagues and your company’s employees must also enter the Hertz Business Rewards program CDP number at the time they make their reservation with Hertz. Hertz, and not Royal Bank of Canada, is responsible for the sales and refund terms that apply to the discount. For complete terms, visit hertz.ca (external site opens in a new window). Royal Bank of Canada reserves the right to cancel, amend or withdraw this offer at any time, even after you have activated it. To learn more about the Avion Rewards program, go to www.avionrewards.com/fr/ (opens in a new window).
11 This offer is not transferable. To earn 3X the Avion points you normally earn (“Bonus Points”) for every one dollar ($1.00) in purchases, including taxes, you make at any corporately owned Hertz location in Canada, U.S., UK, Germany, Italy, Switzerland, Netherlands, Belgium, Spain, Australia and Luxembourg, beginning January 2, 2025 to December 31, 2025 (“Offer Period”), click the “Load Offer” button and pay using one of your eligible RBC Avion credit card (“Eligible RBC Card/Credit Card”) (“Qualifying Purchase”). Franchised Hertz locations are not eligible for this offer.
The up to 20% discount rate applies to the base rate only (time and mileage charges) (“Discount”) and is available at participating Hertz corporate locations in Canada and the U.S.. The Discount excludes taxes, tax reimbursements, fees, surcharges and optional service charges, such as refueling. CDP ID #451401 must be used at time of reservation to receive the Discount.
Upon Hertz Gold Plus Rewards (GPR) registration, you’ll be upgraded to Hertz Five Star status in 48 hours. If you’re already an existing member of Hertz GPR, please follow the prompts on the landing page.
If you change your eligible RBC Avion credit card, you must load the Hertz offer again in Offers. If you cancel your eligible RBC Avion credit card, you will not be eligible for the Discount, Bonus Points or Hertz Five Star status.
Please allow up to 30 days from the date of your Qualifying Purchase, provided your credit card account was in good standing at that time, for the Bonus Points to appear on the account statement tied to your eligible RBC Avion credit card. Cancellations or price adjustments may cancel or reduce the Avion points earned on your Qualifying Purchase, including Bonus Points. Offer may not be combined with any other offer, promotion, certificate, voucher or other discount.
Hertz, not Royal Bank of Canada, is responsible for the sales and returns terms and conditions applicable to your Qualifying Purchase(s) and Discount. For complete terms and conditions please visit: https://www.hertz.ca/avionrewardselite(opens to external site). Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. For more details on the Offers program, please visit rbc.com/offers(opens to external site).
12 You will earn 1.25 Avion points for every dollar spent when you use your RBC Avion Visa Infinite card to pay for travel-related purchases made at merchants classified by Visa’s “Merchant Category Code” (“MCC”) as “travel”, which may include: airlines, accommodations, tour operators, cruise lines, travel agencies and car rental companies. Even though some merchants may sell travel products/services, purchases made at these locations may not necessarily qualify for the 1.25 Avion points per dollar if the merchant is not classified with a “travel” MCC. Also, merchants that are not classified by a “travel” MCC may be located on the premises of merchants that are classified with a “travel” MCC, and purchases made at these locations may not qualify for this added benefit. For more details, please refer to the Avion Rewards Terms and Conditions at: https://www.avionrewards.com/terms-and-conditions/index.html
14 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations according to the instructions provided by the cashier, the point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases—see section 5 of the Be Well terms (available at https://www.letsbewell.ca/terms-conditions)—or for another purpose that we may provide from time to time.
You must have joined the Be Well program and registered your Be Well card, or otherwise called customer service, to redeem Be Well points. Any Be Well points earned on a Be Well card will remain the property of the Be Well administrator until the enrollment and registration process is complete.
You must redeem a minimum of 25,000 Be Well points at any time, which are worth $10. Be Well points can be redeemed in $10 increments, up to a maximum of $200 (500,000 Be Well points) in a single transaction. A maximum of 500,000 Be Well points can be redeemed within a 24-hour period.
In Ontario and British Columbia, Be Well points cannot be redeemed for prescription drugs. As the laws of each province and territory may change from time to time, you are encouraged to consult your pharmacist for more information in this regard.
Be Well points you earn when you make a purchase cannot be redeemed immediately for that same purchase. They can only be redeemed for a future eligible purchase that must be made at least 12 hours after earning those Be Well points.
16 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Rewards+TM Visa‡, Signature® RBC Rewards® Visa‡, RBC® Visa‡ Platinum, RBC® Visa‡ Cash Back, RBC® Cash Back Mastercard‡, RBC® Visa‡ Classic Low Rate Option, RBC® Visa‡ Classic, RBC® Student Visa‡ Classic, RBC® Visa‡ Classic II Student, RBC® Visa‡ Gold, RBC® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage® Visa‡, WestJet RBC® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC® Visa‡ Business, RBC® Visa‡ Business Gold, RBC® Visa‡ CreditLine for Small BusinessTM, or RBC® Business Cash Back Mastercard‡, WestJet RBC® World Elite Mastercard‡ (Premium Benefit Cards).
You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1.25xTravel
- 1xAll spending
Value
Transfer partners
- American Airlines AAdvantageAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- WestJet RewardsAirline
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $399
- Our valuation
- $1,500ⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,500Total$1,500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,500Total$1,500Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 100,000 points
- Ends Nov 25, 2026
on RBC's website
- Start travelling today with 25,000 welcome points
- Earn 1.25 RBC Rewards points for every dollar you spend
- Enjoy luxury travel benefits and exclusive privileges
Legal
† Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 100,000 Avion points for a round-trip long-haul flight from any major gateway in Canada or the U.S. to almost anywhere in Asia, Australia, New Zealand, South Pacific, Middle East, Africa and South America, with a maximum ticket price of $2,000. All applicable taxes, service fees and surcharges are the responsibility of the traveler. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
^ Based on the Air Travel Reward redemptions from the Air Travel Redemption Schedule starting at 15,000 Avion points for a round trip within or to an adjacent Canadian province/territory or U.S State with a maximum ticket price of $350. You will need a minimum of 90,000 Avion Points for six round-trip flights within or to an adjacent Canadian province/territory or U.S State. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, please visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).
‡ [CN1.1]The value of up to $2,375 is based on (i) the estimated value of CAN$375 for six complimentary global airport lounge access passes based on the comparable cost of direct enrollment in the Visa Airport Companion Program (hosted and managed by DragonPass International Ltd.) for membership by a Primary cardholder, which costs $99 USD and includes one complimentary airport lounge visit every year and the cost of additional 5 paid visits costing $32 USD per person, per visit. The value is estimated based on an exchange rate of $1.37USD as of July 19, 2024), and (ii) the redemption value of 100,000 Avion points based on the Air Travel Redemption Schedule for a round-trip long flight from any major gateway in Canada or the U.S. to almost anywhere in Asia, Australia, New Zealand, South Pacific, Middle East, Africa and South America, with a maximum ticket price of $2,000.
1 This offer only applies to new applications for an RBC Avion Visa Infinite Privilege credit card received between “August 13, 2026” and “November 25, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the RBC Avion Visa Infinite Privilege account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an RBC Avion Visa Infinite Privilege account during the Offer Period, are not eligible for the offer.
35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC Avion Visa Infinite Privilege credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Credit Card Account within the first six (6) months from your Credit Card Account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty (60) days after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments posted to your Credit Card account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
45,000 additional Avion points (“Anniversary Points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks after the one- year anniversary of your account opening, provided that your account remains open and in good standing at the time the Anniversary Points are credited to your account.
If you close or change your Credit Card Account for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points and/or the Anniversary Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512
*21.99% if you reside in Quebec.
3 Subject to availability. Some restrictions may apply. For full details, please visit www.avionrewards.com. For the full terms and restrictions applicable to the Avion Rewards program, visit https://www.avionrewards.com/fr/terms-and-conditions/index.html or call 1 800 ROYAL 1-2 (1 800 769-2512).
4 For full details about Visa Infinite Privilege, visit www.visainfinite.ca/privilege/fr. You must be an eligible cardholder of a valid Visa Infinite Privilege card issued in Canada to take advantage of Visa Infinite Privilege offers, benefits and services. Membership is required to obtain certain benefits and services. Offers and benefits are not transferable, and discounts cannot be combined with other offers or discounts. Neither Visa nor Royal Bank of Canada is responsible for any damage that may result from the use of benefits or services provided by a third party. Visa may change or cancel offers, benefits and services at any time without notice. Offers, benefits and services offered through Visa are all subject to the full terms and conditions, including those relating to third-party providers, available through the Visa Infinite Privilege Concierge Service or at visainfinite.ca/privilege/e-conditions-des-offres.jsp. The Visa Infinite Privilege privacy policy applies to all benefits and services that require membership through the Visa Infinite Privilege Concierge Service or the Visa Infinite Privilege website or mobile app, or that are otherwise provided through them. The collection, use and disclosure of cardholders’ personal information by third-party providers of services and benefits to Visa Infinite Privilege cardholders are subject to those third parties’ privacy policies.
5 For any type of travel you book through the Avion Rewards program, except for airline tickets redeemed through the Air Travel Redemption Schedule, you can redeem Avion Rewards points at a rate of 1% (100 points per Canadian dollar) to pay for all or part of your booking, including taxes and related fees. When you book an airline ticket through the Air Travel Redemption Schedule, you can redeem Avion Rewards points at a rate of 1% (100 points per Canadian dollar) to pay taxes and administration fees (including sales taxes, GST, baggage fees, fuel surcharges and other costs or fees that are not related to the cost of the ticket and that may be charged to you by travel service providers and other parties). For the terms and restrictions that apply to the Avion Rewards program, visit www.rbcrecompenses.com
8 To take advantage of this offer, you must be the holder of an RBC debit or credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC card”). RBC business clients may link up to two (2) RBC business credit cards and one (1) RBC business debit card to a Petro-Points card. You must be enrolled in RBC Online Banking or the RBC Mobile app to link your RBC card to your Petro-Points card. It may take up to two (2) business days before savings and bonus points apply to your purchases due to processing of the card link. “Linked RBC card” means an RBC card linked to a Petro-Points account. Your linked RBC card serves as your Petro-Points card. When you pay for eligible purchases with your linked RBC card at Petro-Canada locations, you automatically earn Petro-Points without needing to swipe your Petro-Points card before paying. You can redeem your Petro-Points at Petro-Canada using your linked RBC card. Each time you use your linked RBC card to purchase any grade of gasoline or diesel at a Petro-Canada location, you save three cents (3¢) per litre at the time of the transaction.
9 Each time you use your eligible linked RBC card to pay for eligible purchases at a Petro-Canada retail location, you receive twenty percent (20%) more Petro-Points than you would normally receive, in accordance with the Petro-Points program terms and conditions. Petro-Points are not awarded for the purchase of tobacco products, vaping products, gift cards, public transit tickets and passes, and taxes on non-petroleum purchases.
10 Each time you use your linked RBC card that earns Avion points to pay for purchases at a Petro-Canada location, you receive twenty percent (20%) more Avion points (“bonus Avion points”) than you would normally receive for each dollar ($1) spent, in accordance with the Avion Rewards program terms and conditions. Please allow up to ninety (90) days from the date the transaction appears on your monthly RBC credit card statement for the bonus Avion points to be deposited into your RBC Avion Rewards account.
11 This coverage is underwritten by RBC Insurance Company of Canada. For full details, please refer to your insurance certificates. Click Here.
12 This coverage is underwritten by RBC Insurance Company of Canada.
13 Please allow two (2) to three (3) business days for your payment to be credited to your credit card account and for your unused credit to be adjusted. Redemptions are final and cannot be cancelled or refunded once submitted. For full details, see the Avion Rewards program terms and conditions.
14 To take advantage of this offer, you must be the holder of an RBC debit card or an RBC personal or business credit card issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC card”). Business owners who are RBC clients may link up to two (2) business credit cards and one business debit card to a Be Well card.
Eligible RBC debit cards are debit cards linked to a personal or business chequing or savings account in good standing, configured to purchase products and services in-store or with a merchant that has a point-of-sale terminal or another designated debit card terminal that can accept debit card payments.
You must be enrolled in RBC Online Banking or RBC Mobile to link your RBC card to your Be Well card. It may take up to two (2) business days before Be Well points apply to your purchases due to processing of the card link. Each time you swipe your Be Well card and pay with your linked RBC card, you receive 50 Be Well points per dollar spent on an eligible purchase at a Rexall location, in accordance with the Be Well terms and conditions available at https://www.letsbewell.ca/terms-conditions.
Be Well points do not apply to taxes or the following purchases: tobacco products; products containing codeine; lottery tickets; alcohol; bottle deposits; gift cards; prepaid cards and long-distance calling and wireless telecommunications service cards; event tickets; transit fares (tickets and passes); transactions made at the post office; stamps; passport photos; cash back; gifts with purchase; delivery fees; environmental levies; services/rentals for home health care; and any other product or service we may specify from time to time or where prohibited by law.
15 The term “redeem” means using your Be Well points to pay, or partially pay, for eligible purchases using your Be Well card at participating Rexall locations, according to the instructions provided by the cashier, point-of-sale terminal or any other payment processing device. You can redeem the Be Well points you earn for eligible purchases (see sections 4 and 5 of the Be Well terms and conditions available at https://www.letsbewell.ca/terms-conditions), or for any other purpose we may notify you of from time to time.
18 To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your Eligible RBC Credit Card, you must subscribe to DashPass by adding an Eligible RBC Credit Card, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass” before November 16, 2028 (“Offer Period”). If you are an existing DashPass subscriber and have already added an Eligible RBC Credit Card to your account you must activate your benefit by clicking “Activate Free DashPass” during the Offer Period. If you have been charged for DashPass you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass” you agree to the DoorDash terms and conditions which can be found at https://help.doordash.com/consumers/s/terms-and-conditions .
Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on an Eligible RBC Credit Card account.
The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive either a 6 months or 12 months Complimentary DashPass Subscription based on the Eligible RBC Credit Card you use to subscribe to DashPass.
DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription.
Eligible RBC Credit Cards: Your Eligible RBC Credit Card may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription you cannot use the same eligible RBC Credit Card to obtain a Complimentary DashPass Subscription with another DoorDash account.
You are only eligible for one 12 month Complimentary DashPass Subscription and one 6 months Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. For example, if you subscribe to a 12 month Complimentary DashPass Subscription in on the last day of your second month of a 6 months Complimentary DashPass Subscription you will receive a total of 14 months of Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated.
12 Month Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an RBC Avion Visa Platinum, RBC Avion Visa Infinite , RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite Privilege for Private Banking, WestJet RBC World Elite Mastercard, RBC Rewards Visa Preferred, RBC Cash Back Preferred World Elite Mastercard, More Rewards RBC Visa Infinite, RBC British Airways Visa Infinite, RBC Avion Visa Business, RBC Avion Visa Infinite Business, WestJet RBC World Elite Mastercard for Business (Elite Benefit cards) cardholder.
You are eligible for a Complimentary DashPass Subscription for 12 months from the date you subscribe to receive the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
6 Months Complimentary DashPass Subscription is available for the following Eligible RBC Credit Cards:
As an Rewards+TM Visa‡, Signature® RBC Rewards® Visa‡, RBC® Visa‡ Platinum, RBC® Visa‡ Cash Back, RBC® Cash Back Mastercard‡, RBC® Visa‡ Classic Low Rate Option, RBC® Visa‡ Classic, RBC® Student Visa‡ Classic, RBC® Visa‡ Classic II Student, RBC® Visa‡ Gold, RBC® U.S. Dollar Visa‡ Gold, RBC Rewards Visa‡ Gold, RBC RateAdvantage® Visa‡, WestJet RBC® Mastercard‡, RBC ION Visa, RBC ION+ Visa, More Rewards RBC Visa, RBC Staff VISA Classic Expense, RBC Staff VISA Gold Expense, RBC® Visa‡ Business, RBC® Visa‡ Business Gold, RBC® Visa‡ CreditLine for Small BusinessTM, or RBC® Business Cash Back Mastercard‡, WestJet RBC® World Elite Mastercard‡ (Premium Benefit Cards).
You are eligible for a Complimentary DashPass Subscription for 6 months from the date you subscribed to the Complimentary DashPass Subscription. You will be auto-enrolled into full-price membership at the then-current rate after the end of the 6 months Complimentary DashPass Subscription. Your RBC credit card account must be open and not in default to maintain the benefits of DashPass.
DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbcroyalbank.com/credit-cards/documentation/pdf/full-doordash-tcs-en.pdf
19 DashPass is a DoorDash subscription service that offers unlimited free deliveries on purchases from eligible restaurants (the order must be at least CAD $15 before taxes and fees) for a monthly subscription fee of CAD $9.99 plus taxes. To learn more about DashPass, visit www.doordash.com/dashpass (opens to external site)
21 This offer is not transferable. To receive three times more Avion points than you would normally receive (“bonus points”) for each dollar ($1) spent, including taxes, at any corporate Hertz location in Canada, the United States, the United Kingdom, Germany, Italy, Switzerland, the Netherlands, Belgium, Spain, Australia and Luxembourg, from January 2, 2025 to December 31, 2025 (“Offer Period”), click the “Load Offer” button and charge the purchase to your RBC Avion Visa Infinite Privilege credit card (“eligible RBC Avion card”) (“eligible purchase”). Hertz franchise locations are not eligible for this offer. If you replace your eligible Avion Rewards card, you must load this offer again. If you cancel your credit card, you will not be eligible for the discount (see definition above) or the bonus points. Please allow up to 30 days after the date of your eligible purchase for the bonus points to appear on your eligible RBC Avion card account statement, provided that the account is in good standing at that time. Cancellations or price adjustments may reduce or cancel the number of Avion points earned on your eligible purchase, including bonus points. This offer cannot be combined with any other offer or promotion, or any certificate or voucher, or any other discount. Hertz, not Royal Bank of Canada, is responsible for the sales and refund terms and conditions that apply to your eligible purchase. For full terms and conditions, visit hertz.ca. Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. To learn more about the Avion Rewards program, please visit www.avionrewards.com/fr/.
22 The discount of up to 20% applies to the base rate only (time and mileage) (“discount”) and is offered at participating corporate Hertz locations in Canada and the United States. The discount excludes taxes, tax recovery, fees, surcharges and the cost of any optional service, such as a full tank of gas. To obtain the discount, you must enter the first six digits of your eligible RBC Avion card in the CDP number field at the time of booking.
If you replace your eligible RBC Avion card, you must load the Hertz offer again in Offers. If you cancel your eligible RBC Avion card, you will not be eligible for the discount, nor for the
Hertz, not Royal Bank of Canada, is responsible for the sales and refund terms and conditions that apply to the discount. For full terms and conditions, visit hertz.ca.
Royal Bank of Canada reserves the right to cancel, modify or withdraw this offer at any time, even after you have activated it. To learn more about the Avion Rewards program, please visit www.avionrewards.com/fr/.
23A primary cardholder, a co-applicant and any authorized user (each an “eligible credit cardholder”) have access to airport lounges participating in the Visa Airport Companion program (“Program”), provided and managed by DragonPass International Ltd. (“DragonPass”).
Each cardholder must register individually for this benefit using the Visa Airport Companion app (available as a free download) or the Program website (visaairportcompanion.ca/fr) using their eligible credit card. During registration, the cardholder must enter their name (first and last name) as it appears on their passport (or on any other government-issued identification used for travel in Canada), as it will be verified upon entry to airport lounges.
Once registered, the cardholder will be entitled to six (6) free airport lounge accesses per membership year; free accesses may be used by the cardholder for themselves and for accompanying guests. Visits beyond the free accesses are subject to a fee of US $32 (subject to change) per person. Applicable access fees will be charged to the eligible credit card associated with the cardholder’s Program membership card.
Membership includes access to any airport lounge participating in the Program. After registering for the Program, the cardholder can access airport lounges by presenting one of the following three (3) items: i) their eligible credit card, ii) their digital membership card and QR code from the app or Program website, or iii) their printed or emailed e-certificate containing the membership card and QR code.
Program membership will be suspended if the eligible credit card is closed or inactive, is no longer linked to the Program, or is no longer a product participating in the Program. It is the cardholder’s responsibility to report any changes to the information of their eligible credit card linked to the Program. If the cardholder uses a printed or emailed e-certificate to access a lounge, they must obtain a new e-certificate if changes are made to their eligible credit card information. Unless suspended or cancelled, Program membership and any free accesses included are automatically renewed each year on the anniversary date (i.e., the date the cardholder registered for the Program). Program membership may be suspended if the eligible credit card is no longer in good standing.
Cardholders can consult the app or Program website for the complete list of participating airport lounges, as well as the facilities offered, hours of operation and any restrictions. Registered cardholders are subject to the terms and conditions of the worldwide airport lounge access program and the terms of use of each participating lounge operator visited, which are available in the app or Program website. The Program terms and conditions will be presented to cardholders during registration and will also be emailed to them after registration.
In addition to providing them with access to airport lounges, enrollment in the program will allow cardholders to enjoy additional benefits and offers. For the complete list of benefits and offers and to obtain more information, holders of an eligible credit card can consult the program app or website. Cardholders who participate in the program or take advantage of the benefits or offers presented as part of the program are subject to the terms and conditions applicable to the benefit or offer in question, as stipulated in the program app and website.
Cardholders who participate in the program are subject to DragonPass’s terms of use, terms of service, and privacy policy, as well as Visa’s privacy statement. By enrolling in the program and taking advantage of the benefits and offers presented as part of the program, the cardholder acknowledges that DragonPass may share their program-related data with Visa or Royal Bank of Canada (« RBC ») for program administration purposes, and that Visa and RBC may process this data in accordance with their privacy policies. The services and benefits offered as part of the program are provided by DragonPass and third-party providers. Neither Visa nor RBC is responsible for any claims or damages arising from participation in the program. Visa may modify or cancel this program at any time without notice.
For a limited time, the RBC Avion Visa Infinite Privilege Card offers a welcome bonus of up to 100,000 Avion points, representing a travel value of up to $2,375.
- 35,000 points upon approval of your application
- 20,000 points when you charge $5,000 in purchases to your account within the first six months
- 45,000 points on your account’s first anniversary
With the RBC Avion Visa Infinite Privilege Card, you also receive 6 complimentary airport lounge visits each year.
You can redeem your Avion points for flights on over 500 airlines, with no blackout periods or seat restrictions, or transfer them to partner programs such as American Airlines AAdvantage, The British Airways Club, Cathay Pacific Asia Miles, and WestJet Rewards.
The card also gives you access to priority lanes, security services, and reserved parking at select Canadian airports.
You earn 1.25 Avion points per dollar on all your purchases, and the card includes comprehensive insurance coverage: emergency medical care, trip cancellation and interruption, and mobile devices up to $1,500.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1.25xAll spending
Value
Transfer partners
- American Airlines AAdvantageAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- WestJet RewardsAirline
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $120
- Our valuation
- $300ⓘMilesopedia first-year estimate First-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$300Total$300Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 20,000 points
on RBC's website
- 20,000 welcome points upon enrolment
- Earn 1 RBC Rewards point for every $1 spent in net purchases with your card
- No blackout periods or seat restrictions
The RBC Avion Visa Business Card is a business credit card in the RBC Avion Rewards program, designed for self-employed workers and business owners who want to earn travel points on their business spending.
You earn Avion points, redeemable for travel with a great deal of flexibility, and the welcome offer can reach 20,000 Avion points on approval. The annual fee is $120.
The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xAll spending
Value
Transfer partners
- American Airlines AAdvantageAirline
Travel insurance
Purchase protection
- Annual fee
- $175
- Our valuation
- $525ⓘMilesopedia first-year estimate First-year valueWelcome bonus$525Total$525Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$525Total$525Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 35,000 points
on RBC's website
The RBC Avion Visa Infinite Business Card is the premium business credit card in the RBC Avion Rewards program, designed for business owners who travel.
Get 35,000 bonus Avion points upon approval.
What the card gives you:
- 1.25 RBC Rewards points per dollar in net purchases charged to your card, up to $75,000 per year, then 1 point per dollar beyond that
- A Visa Airport Companion membership, which opens access to more than 1,200 airport lounges worldwide, at US$32 per person per visit
- Avion points that are redeemable for travel with a great deal of flexibility, with no blackout dates
- Additional cards for your employees, at $75 each, up to 9 cards
The annual fee is $175. The annual interest rate is 19.99% on purchases and 22.99% on cash advances. A 2.5% conversion fee applies to foreign currency transactions.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1.25xAll spending
Value
Transfer partners
- American Airlines AAdvantageAirline
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $0
- Our valuation
- $210ⓘMilesopedia first-year estimate First-year valueWelcome bonus$210Total$210Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$210Total$210Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 14,000 points
- Ends Nov 4, 2026
on RBC's website
With the RBC ION Visa card, earn up to 14,000 Avion points^, a value of up to $100 in gift cards†.
This RBC credit card with no annual fee lets you earn 1.5X Avion points per dollar in the following categories1:
- Groceries
- Transit, gas, and electric vehicle charging
- Streaming, digital games, and subscriptions
You also earn 1 Avion point per dollar on all other eligible purchases1.
Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card4.
Legal
Refer to RBC page for up to date offer terms and conditions
^ This offer is only available for new RBC ION Visa credit card applications received between June 16 and November 4, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Co-applicants (co-applicant and authorized user[s]) on an RBC ION Visa credit card account, as well as existing RBC Royal Bank personal credit cardholders who switch to an RBC ION Visa credit card during the Offer Period, are not eligible for this offer.
7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome Points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
An additional 7,000 Avion points (“Additional Points”) will be awarded to you if a total of at least $500 (the “eligible transaction amount”) in eligible net purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first three months from your credit card account opening date (the “Period”), provided your account is open and in good standing at the time the Additional Points are credited to your credit card account. The Additional Points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the amount of eligible transactions below the $500 threshold will result in the cancellation of your Additional Points.
The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
If you close your eligible credit card or switch to another type of RBC ION Visa credit card before the Welcome Points or Additional Points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.
† To obtain gift cards or gift certificates with a value of $100, you need 14,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of Avion Rewards points, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1.5xGas & EV
- 1.5xStreaming
- 1.5xGroceries
- 1.5xTransit
- 1xAll spending
Value
Purchase protection
- Annual fee
- $48
- Our valuation
- $420ⓘMilesopedia first-year estimate First-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$420Total$420Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 28,000 points
- Ends Nov 4, 2026
on RBC's website
With the RBC ION+ Visa Card, get up to 28,000 Avion points^, which is a value of up to $200 in gift cards†. Apply by November 4, 2026.
This offer includes:
- 7,000 Avion points upon approval^
- 14,000 additional Avion points when you charge at least $1,500 in eligible purchases to your account within the first 6 months^
- 7,000 anniversary Avion points^
This RBC credit card allows you to earn 3X the Avion points per dollar on the following categories1:
- Groceries, restaurants and meal delivery
- Transportation, gas and electric vehicle charging
- Streaming, digital games, and subscriptions
You also earn 1 Avion point per dollar on all other eligible purchases1.
Plus, save 3¢ per litre on fuel at Petro-Canada and earn 20% more Petro-Points and Avion points when you pay with an eligible linked RBC card4.
Finally, benefit from mobile device insurance3 providing two years of protection, up to $1,000, in the event of loss, theft, accidental damage, or breakdown of your mobile device purchased with the card.
Legal
Refer to RBC page for up to date offer terms and conditions
®/™ Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada. ‡ All other trademarks are the property of their respective owner.
^ This offer is only available for new RBC ION+ Visa credit card applications received between June 16, 2026, and November 4, 2026 (“offer period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Additional cardholders (co-applicants and authorized users) of the RBC ION+ Visa card account, as well as current holders of any personal RBC Royal Bank credit card who switch to the RBC ION+ Visa card during the offer period, are not eligible for this offer.
7,000 Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your RBC ION+ Visa credit card account (“Credit Card Account”) remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.
14,000 additional Avion points (“additional points”) will be awarded to you if a total amount of at least $1,500 (“eligible transaction amount”) in net eligible purchases or eligible pre-authorized bill payment transactions (“eligible transactions”) is charged to your RBC ION Visa credit card account within the first six months following your credit card account opening date (“period”), provided your account is open and in good standing at the time the additional points are credited to your credit card account. The additional points will be credited approximately 60 days after you have reached the eligible transaction amount. Eligible transactions exclude cash advances (including balance transfers, cash-like transactions, and bill payments that are not pre-authorized payments set up with a merchant), interest, and other fees. Credits for returns or adjustments that reduce the eligible transaction amount below the $1,500 threshold will cancel your additional Avion points.
The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.
A total of 7,000 additional Avion points (“anniversary points”) will appear on your monthly credit card statement within twelve (12) to sixteen (16) weeks following the first anniversary of your credit card account opening, provided that the account is open and in good standing at the time the anniversary points are credited to the account.
If you close your RBC ION Visa credit card account or switch to another type of RBC Royal Bank credit card before the welcome bonus points, additional points, or anniversary points have been credited to your account, you may no longer be eligible for this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify, or withdraw this offer at any time without notice, even if your application has already been approved, including if we have reason to believe that you are manipulating or abusing the process, or engaging in suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For full terms and conditions applicable to the Avion Rewards program, visit www.avionrewards.com or call 1-800-769-2512.
† To obtain gift cards or gift certificates with a value of $200, you need 28,000 Avion points. A minimum of 1,400 Avion points must be redeemed for most $10 gift cards or gift certificates. Some exceptions apply. Point redemption values may vary. For full terms and conditions and restrictions applicable to the redemption of points from the Avion Rewards program, as well as current point redemption values, visit https://www.avionrewards.com/terms or call 1-800-769-2512.
ns or call 1-800-769-2512.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 3xGroceries
- 3xGas & EV
- 3xTransit
- 3xStreaming
- 3xRestaurants
- 1xAll spending
Value
Purchase protection
Comparatively, the American Express Membership Rewards program can be accessed with the following credit cards:
In terms of earning rates, the best one is available with the American Express Cobalt Card which gives you 5 MR points per $1 spent in the food and drink category, in addition to other elevated earning rates.
American Express cards also often come with welcome offers that can significantly speed up your points-earning opportunities.
- Annual fee
- $0
- Our valuation
- $170ⓘMilesopedia first-year estimate First-year valueWelcome bonus$170Total$170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$170Total$170Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- 10,000 points
on American Express's website
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Do you want a cash back credit card with no annual fee that earns travel points? Here’s an option for you: American Express® Green Card.
By signing up for the American Express® Green Card, you can earn 10,000 Membership Rewards Welcome Bonus Points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. This is a $100 value for travel or any purchase on the Card.
You can also transfer your points to airline partners (Aeroplan, British Airways Executive Club, Flying Blue, etc.) and hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning:
- 10,000 Aeroplan points
- 10,000 Avios points
- 10,000 Flying Blue Miles
- 12,000 Marriott Bonvoy points
That’s a nice welcome bonus for a credit card with no annual fee.
You’ll also have access to online promotional offers to earn points or rebates on your purchases with this no annual fee credit card.
Like all American Express Canada Cards, there is no minimum income requirement.
Legal
American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xAll spending
Value
Transfer partners
- AeroplanAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- Etihad GuestAirline
- Marriott BonvoyHotel
Purchase protection
- Annual fee
- $191.88
- Our valuation
- $255ⓘMilesopedia first-year estimate First-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$255Total$255Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 15,000 points
on American Express's website
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
The American Express Cobalt® Card is the best credit card from American Express, whether you want points for travel or cash back.
American Express Cobalt® Card welcome offer
The welcome bonus is paid out monthly over your first 12 months. You earn 1,250 Membership Rewards points for each monthly billing period in which you charge $750 in net purchases to your card, in any category (1X, 2X, 3X or 5X). That adds up to 15,000 Membership Rewards points over the year, a welcome offer we value at $255.
Earning the full bonus means $9,000 in net purchases spread across 12 monthly billing periods. This offer rewards steady monthly spending rather than one large purchase.
You can use these points as statement credits on everyday or travel purchases, at the same rate either way: 1,000 points = $10.
You can also transfer them to Aeroplan, Avios (British Airways and Qatar Airways), Flying Blue, Marriott Bonvoy or Hilton Honors. With the full welcome bonus, that is a choice between:
- 15,000 Aeroplan points
- 15,000 Avios points
- 15,000 Flying Blue Miles
- 18,000 Marriott Bonvoy points
If hotel points are what you are after, our ultimate guide to Marriott Bonvoy and our complete map of Marriott Bonvoy hotels by category show what those points can actually buy.
American Express Cobalt® Card benefits
Here is what the card gives you, starting with the benefits cardholders use most.
- 5X points on eligible eats and drinks in Canada: groceries, restaurants and bars, home food delivery and convenience stores. A spend cap applies.
- 3X points on eligible streaming subscriptions in Canada.
- 2X points on eligible gas, public transit and ride sharing purchases in Canada.
- 1 additional point on eligible hotel and car rental bookings made through American Express Travel Online.
- 1X point per dollar on everything else, with no category restrictions.
- Points that hold the same value either way: 1,000 points = $10 as a statement credit, or a 1:1 transfer to several airline and hotel loyalty programs.
- No minimum income requirement, as with every American Express Canada card.
- Additional cards at no extra cost: the first and every other supplementary card is $0.
- The Hotel Collection: a room upgrade when available, 12pm check-in and late check-out when available, and up to $100 USD in hotel credit on amenities charged to the room for a stay of two or more consecutive nights, booked through American Express Travel.
- Front Of The Line® presale and reserved tickets for concerts and theatre performances, plus offers and events curated for cardmembers through Amex Experiences.
- A soft credit check before you apply: you can see whether you will be approved with no impact to your credit score. This applies to American Express personal card applications.
To see how it compares with the rest of the line-up, read our round-up of the best credit cards from American Express in Canada.
The 5X categories and where they apply
The 5X rate is the reason most people carry this card. In Canada it covers four kinds of merchants:
- Groceries: Metro, IGA, Sobeys, Super C, Safeway, Whole Foods.
- Restaurants and bars: sit-down meals, takeout and drinks.
- Home food delivery.
- Convenience stores: Couche-Tard, 7-Eleven.
The 2X rate covers gas stations such as Esso, Shell and Petro-Canada, along with public transit and ride sharing.
With the American Express Cobalt® Card, you earn between 1 and 5 points per dollar:
| Category | Points per dollar |
| Grocery (Metro, IGA, Sobeys, Super C, etc.) | 5 |
| Home food delivery | 5 |
| Restaurants and bars | 5 |
| Convenience stores | 5 |
| Streaming services | 3 |
| Service station | 2 |
| Transport | 2 |
| Travel | 1 |
| Other | 1 |
That works out to a 1 to 5% return on those purchases. For example, if you spend $1,000 per month across groceries, restaurants and food delivery, you earn $50 back per month, or $600 per year from that category alone. Transfer the points to a program such as Aeroplan instead and the return can be higher.
You can also stack these categories with the hundreds of stores that offer 5x points.
American Express Cobalt® Card insurance coverage
The card comes with a broad insurance package. The amounts below are the coverage limits; conditions, age limits and exclusions are set out in the certificate of insurance linked in the Insurance section above.
Travel insurance
- Emergency medical: up to $5,000,000 for the first 15 days of a trip.
- Travel accident: accidental death and dismemberment of up to $250,000 for you, your spouse and dependent children under age 23 when travelling on a common carrier (plane, train, bus or ship) and the tickets are charged to your card. Supplementary cardholders and their families are covered too.
- Flight delay: up to $500 for necessary hotel, meal and sundry expenses bought within 48 hours when you are delayed or denied boarding for four hours or more and no other transportation is available. This $500 is an aggregate limit per occurrence, shared with missed connection and delayed baggage coverage.
- Delayed baggage: up to $500 for essential clothing and sundries bought within four days when your outbound luggage is delayed six hours or more. This $500 is an aggregate limit per occurrence, shared with missed connection and flight delay coverage.
- Lost or stolen baggage: up to $500 per occurrence for all insured persons combined, for checked or carry-on baggage and personal effects in transit, when the airline tickets are charged to your card. Within that limit, jewellery is capped at $300 per occurrence and golf clubs, including golf bags, at $250 per occurrence.
- Hotel and motel burglary: up to $500 against the loss of most personal items if your hotel or motel is burglarized, when the stay is charged to your card.
Rental car insurance
Theft and damage coverage is included for a rental car with an MSRP, for its model year, of up to $85,000 excluding all taxes, for rentals of up to 48 days. To use it, decline the Loss Damage Waiver (LDW) or any similar option from the rental company and charge the full rental to your card. There is no cost for this coverage, and it replaces the daily insurance the rental company charges, usually $16 to $23 per day.
Mobile device insurance
Your device is covered for up to $1,000 per occurrence when it is charged to the card, for up to two years from the date of purchase. The payout is based on the depreciated value of the device, which falls by 2% of the purchase price for every completed month, less a 10% deductible. Theft and accidental damage coverage starts on the 91st day after purchase, because the first 90 days are covered by purchase protection.
Purchase protection and extended warranty
Eligible items charged to your card are insured against accidental physical damage or theft for 90 days from the purchase date, up to $1,000 per occurrence for all items combined. The card also extends the original manufacturer’s warranty by up to one additional year on eligible items, with indemnification limited to $10,000 per insured item and $25,000 per Cardmember per policy year for all items combined.
American Express Cobalt® Card fees
- Card fee: $15.99 per month, which equals $191.88 per year, for residents outside Quebec. Quebec residents are billed $191.88 per year.
- Additional cards: $0.
- Purchase interest rate: 21.99%.
- Cash advance interest rate: 21.99%.
- Foreign transaction fee: 2.5%.
- Minimum income required: none.
Because the fee is billed monthly rather than in one annual charge, you can stop and restart the cost in step with how much you are actually using the card.
Legal
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 5xRestaurants
- 5xGroceries
- 5xConvenience
- 3xStreaming
- 2xTransit
- 2xGas & EV
- 1xAll spending
Value
Transfer partners
- AeroplanAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- Etihad GuestAirline
- Flying BlueAirline
- Hilton HonorsHotel
- Marriott BonvoyHotel
Travel insurance
Purchase protection
- Annual fee
- $250
- Our valuation
- $1,020ⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,020Total$1,020Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,020Total$1,020Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 60,000 points
on American Express's website
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Earn up to 60,000 Membership Rewards points with this welcome offer for the American Express Gold Rewards Card. That’s a value of
- 5,000 Membership Rewards points per month when you charge $1,000 in net purchases to your Card, for 12 months (a total of 60,000 points in the first year).
You can also transfer your points to airline partners such as Aeroplan, Avios (British Airways, Qatar Airways, Finnair), Flying Blue, and hotel partners (Marriott Bonvoy, Hilton Honors).
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :
- 60,000 Aeroplan points
- 60,000 Avios
- 60,000 Flying Blue Miles
- 72,000 Marriott Bonvoy points
With this Card, you get many benefits like:
- $100 annual travel credit
- Priority Pass membership and 4 complimentary Plaza Premium visits per year
- $50 NEXUS credit
You earn 2 points per dollar for travel purchases, and at:
- gas stations
- grocery stores
- drugstores
And 1 point per dollar everywhere else.
Like all American Express Canada Cards, there is no minimum income requirement.
Legal
American Express is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 2xPharmacy
- 2xGas & EV
- 2xTravel
- 2xGroceries
- 1xAll spending
Value
Transfer partners
- AeroplanAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- Etihad GuestAirline
- Flying BlueAirline
- Hilton HonorsHotel
- Marriott BonvoyHotel
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $799
- Our valuation
- $1,700ⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,700Total$1,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 100,000 points
on American Express's website
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Terms of the offer
- Unlock special experiences with the newly designed metal Platinum Card
- New Platinum® Cardmembers, earn 25,000 Welcome Bonus Membership Rewards® points when you charge $2,000 in purchases to your Card in the first three months of Cardmembership
- Earn 3 points for every $1 in Card purchases on eligible dining in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
- You will have access to a $200 CAD Annual Travel Credit to use towards any single travel booking of $200 or more charged to your Platinum Card and made on www.americanexpress.ca/travel or through Platinum Card® Travel Service
- Take full advantage of the American Express Global Lounge Collection™ which unlocks access to over 1200 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
- Enjoy complimentary benefits that offer an average value of $550 USD at over 1,000 extraordinary properties worldwide when you book Fine Hotels & Resorts.
- Platinum Cardmembers can enjoy access to special events and unique opportunities
- Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking
- You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts®, Radisson Hotel Group Hotels and Resorts, Hertz® and Avis®
- As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges
Legal
*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
The Platinum Card® is the best premium card in Canada for travellers.
With this welcome offer, you can earn up to 100,000 Membership Rewards® points:
- 70,000 points after charging $10,000 to your Card in your first 3 months of Cardmembership
- 30,000 points when you make a purchase between the 15th and 17th month after your Cardmembership begins
With this Card, you get:
- 2 points per $1 on eligible dining and delivery purchases in Canada
- 2 points per dollar on eligible travel purchases charged to the Card
- 1 point per $1 on all other purchases charged to the Card
You can use your Membership Rewards® points in many ways:
- Transfer points to airline partners: Aeroplan, Avios (British Airways / Qatar Airways), Flying Blue, Delta SkyMiles, etc.
- Transfer points to hotel partners, including Hilton Honors and Marriott Bonvoy
- Redeem points for statement credits to offset any travel purchase charged to your Card (1,000 points = $10)
- Redeem points for statement credits towards other purchases (1,000 points = $10)
- And more!
For example, with this welcome offer, if you decide to transfer your Membership Rewards® points to a partner loyalty program, you could earn up to:
- 100,000 Aeroplan points
- 100,000 Avios
- 100,000 Flying Blue Miles
- 120,000 Marriott Bonvoy points
With this card, you also have advantages for your travels:
- $200 Annual Travel Credit
- An annual meal credit of $200
- A $100 statement credit for NEXUS membership
- Complimentary access for you and one additional guest to more than 1,550 airport lounges in over 140 countries
- Hilton Honors Gold status
- Marriott Bonvoy Gold Elite status
- Access to the Fine Hotels + Resorts program
Last but not least, The Platinum Card® offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Like all American Express Canada Cards, there is no minimum income requirement.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 2xTravel
- 2xRestaurants
- 1xAll spending
Value
Transfer partners
- AeroplanAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- Etihad GuestAirline
- Flying BlueAirline
- Hilton HonorsHotel
- Marriott BonvoyHotel
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $199
- Our valuation
- $1,190ⓘMilesopedia first-year estimate First-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$1,190Total$1,190Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 70,000 points
on American Express's website
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Earn a welcome bonus of up to 70,000 Membership Rewards® points with the American Express® Business Gold Rewards Card®
- 50,000 Membership Rewards® points after spending $7,500 in purchases within the first three months of Cardmembership.
- 20,000 additional points after spending $30,000 on your Card in your first 12 months of Cardmembership.
Plus, earn 10,000 bonus points in each calendar quarter when you spend $20,000 or more.
With this Card, you earn 1 Membership Rewards point per dollar on your purchases.
You can then use your points in many ways:
- Statement credit for travel purchases
- Statement credit for all purchases
- Transfer to partner programs (Aeroplan, British Airways Executive Club, Delta Skymiles, Flying Blue, Marriott Bonvoy, Hilton Honors, etc.).
- Book your flight with American Express Travel at a special rate
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to:
- 70,000 points Aeroplan
- 70,000 Avios
- 70,000 Flying Blue Miles
- 84,000 Marriott Bonvoy points
Alternatively, 70,000 Membership Rewards points can also represent a value of $700 for travel or for any purchase charged to the Card.
Also, as a cardmember, you get many advantages such as up to 55 interest-free days to maximize your cash flow.
Finally, you are covered with reliable insurance for your travels and purchases.
Like all American Express Canada Cards, there is no minimum income requirement.
Legal
*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full and up-to-date product information, click on the Apply now link. Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xAll spending
Value
Transfer partners
- AeroplanAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- Etihad GuestAirline
- Flying BlueAirline
- Hilton HonorsHotel
- Marriott BonvoyHotel
Travel insurance
Purchase protection
- Annual fee
- $799
- Our valuation
- $2,040ⓘMilesopedia first-year estimate First-year valueWelcome bonus$2,040Total$2,040Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Milesopedia first-year estimateⓘFirst-year valueWelcome bonus$2,040Total$2,040Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- Welcome offer
- Up to 120,000 points
on American Express's website
Apply with confidence — no impact on your credit scoreⓘApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).
Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:
- 80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
- 40,000 additional points if you make a purchase between the 15th and 17th month after enrollment
You can use your Membership Rewards points in many ways:
- Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
- Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
- Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
- And more!
120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.
For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :
- 120,000 Aeroplan points
- 120,000 Avios
- 120,000 Flying Blue Miles
- 144,000 Marriott Bonvoy points
With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:
- Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
- $200 Annual travel credit
- $100 Card Statement Credit for Nexus
- Marriott Bonvoy Gold Elite status
- Hilton Honors Gold Elite status
- Access to the Fine Hotels and Resorts program
- Up to $120 in eligible Wireless Credits each year
With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.
Last but not least, Business Platinum Card® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.
Like all American Express Canada Cards, there is no minimum income requirement.
Legal
*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1.25xAll spending
Value
Transfer partners
- AeroplanAirline
- British Airways ClubAirline
- Cathay Asia MilesAirline
- Etihad GuestAirline
- Marriott BonvoyHotel
Card benefits
Travel insurance
Purchase protection
As we can see, both the RBC Avion Rewards and the American Express Membership Rewards program offer a nice range of credit cards, from entry-level, no-annual-fee options like the RBC ION Visa Card and the American Express® Green Card, to premium cards like the American Express Platinum Card® and the RBC Avion Visa Infinite Privilege that give you lots of perks and benefits (more on this below).
Additionally, in choosing a new card, you may find it helpful to explore the differences between Visa Infinite cards and Visa Infinite Privilege cards, as these two card types are quite common.
Other ways to earn
In addition to using the programs’ credit cards to quickly build up your account balance, you can also earn points through the following methods:
With American Express Membership Rewards, you can earn MR points through:
- Amex Offers: Which let you earn through targeted special offers
- Booking travel: By making your travel arrangements through the Amex Travel portal, you can earn additional points
- Refer-a-friend: You can earn thousands of bonus MR points when you successfully refer a friend (or friends) for an eligible American Express credit card
On the other side of this comparison, RBC Avion Rewards points can also be earned the following ways:
- Online shopping: By shopping through the RBC shopping portal, you can earn on purchases made through participating websites
- RBC Offers: Enjoy special opportunities to earn and save
- Banking: Eligible RBC financial products earn Avion points
- Merchant partners: Use your RBC credit card at partnered merchants like Petro-Canada and earn extra points
Redemption Options
The next key area that we’ll compare is the redemption options that are available once you’ve accumulated a few points.
With both the RBC Avion program and the American Express Membership Rewards program, points can be redeemed the following ways:
- Travel
- Transferred to other loyalty programs
- Merchandise and gift cards
- Statement credits, investments, and donations
Travel
For both of these programs, the most compelling and valuable redemption option is for travel.
Both RBC Avion and American Express Membership Rewards let you redeem your points to cover travel purchases made through their individual travel portals, and they both also offer a more fixed-value flight redemption option.
To best compare in this category, let’s take a look at the value you can get from each program through each redemption method.
RBC Avion Rewards
With RBC Avion Rewards, you can redeem your points for flights, hotels, car rentals, and packages booked through the RBC Travel portal at a rate of 1 Avion point = 1 cent.
If you hold an Avion-branded credit card (and are therefore an Avion Elite member), you can also redeem your hard-earned points through the RBC Travel Redemption Schedule.
This option lets you cover up to a maximum base fare for round-trip and one-way flights around the world using your Avion points.
Using this redemption method offers the best potential value, with the ability to redeem Avion points for up to 2.33 cents each in the « quick getaway » category.
American Express Membership Rewards
American Express Membership Rewards also lets you redeem your MR points for travel booked through the Amex Travel portal, and they offer the same rate as RBC at 1 MR point = 1 cent.
Through the Amex Travel portal, you have access to book flights, hotels, car rentals, and packages in the same way as the RBC Travel portal.
Additionally, for flights, you can redeem your MR points using American Express’ Fixed Points travel chart, which offers value up to 2 cents per point. However, unlike RBC’s fixed-price flight redemption option, Amex only allows you to use this feature for round-trip flights (no one-way redemptions).
Transfer partners
Both RBC Avion Rewards and American Express Memership Rewards let you transfer your points to partnered loyalty programs.
With RBC Avion, you can transfer your points to up to 4 different airline loyalty programs, depending on which Avion membership level you have access to.
Comparatively, the American Express Membership Rewards program lets you transfer to 5 airline loyalty programs and 2 hotel loyalty programs.
| RBC ION Cards | RBC AVION Cards | Amex membership rewards |
|---|---|---|
| WestJet Rewards (1:1) | WestJet Rewards (1:1) British Airways Club (1:1) Cathay Pacific Asia Miles (1:1) American Airlines AAdvantage (1:0.7) | Aeroplan (1:1) Air France KLM Flying Blue (1:1) British Airways Club (1:1) Cathay Pacific Asia Miles (1:0.75) Delta SkyMiles (1:0.75) Hilton Honors (1:1) Marriott Bonvoy (5:6) |
Notably, both programs let you transfer to The British Airways Club, turning your Avion points or MR points into Avios. This a particularly useful transfer as once you’ve got some British Airways Avios, you can then also transfer them onwards to the other Avios programs with Qatar Airways, Iberia, Finnair, and Aer Lingus.
Additionally, RBC Avion points can also be transferred between Avion accounts, so as long as you have an Avion-branded card, you’ll be able to access all the redemption options from that level using the points you earn across all your cards.
Gift cards
If you’ve got some Avion points or MR points in your account, and you don’t want to spend them on travel or transfer them to a partnered program, you can choose to redeem them for gift cards, merchandise, statement credits, and more.
With American Express Membership Rewards, examples of gift card redemption value includes:
- $25 Amex gift card = 3,125 MR points
- $100 Air Canada gift card = 13,000 MR points
These offer values of 0.8 cents per MR point and 0.77 cents per MR point, respectively.
With RBC Avion Rewards, you can expect gift card redemptions such as:
- $25 prepaid Visa = 4,200 Avion points
- $10 McDonald’s gift card = 1,400 Avion points
- $100 Air Canada gift card = 10,000 Avion points
In terms of value, these options are worth 0.6 cents per Avion point, 0.71 cents per point, and 1 cent per Avion point, respectively.
Merchandise
When redeeming your points for merchandise, it’s difficult to determine exact value since the price of a given item tends to change from store to store and from day to day.
That said, we can compare the number of reward points that each program requires for the same item on the same day.
For example, if you wanted to redeem either your RBC Avion points or your American Express Membership Rewards points for a set of AirPods 4, it would cost you:
- MR points = 28,300
- Avion points = 27,538
Statement credits and investments
In terms of using your points for bills, statement credits, and investments, RBC Avion and American Express Membership Rewards offer the redemption values listed below.
American Express Membership Rewards
- statement credit: $10 = 1,000 points (or 1 cent per point)
- pay off a single item: $10 = 1,000 points (or 1 cent per point)
- donations: $10 = 1,000 points (or 1 cent per point)
RBC Avion Rewards
- statement credit: $25 = 4,300 points (or 0.58 cents per point)
- pay a bill: $10 = 1,724 points (or 0.58 cents per point)
- investment credit: $25 = 3,000 points (or 0.83 cents per point)
- donations: $10 = 1,000 points (or 1 cent per point)
Other Benefits
Each of the programs also offers a number of additional benefits; however, many of these are specific to individual credit cards, so you’ll have to check out our credit card pages to get the full picture of which card offers which perk.
To give you a general idea, American Express Membership Rewards credit cards include benefits such as:
- Amex Offers for discounts on partnered merchants
- Travel and dining credits
- Airport lounge passes
- Savings with partnered merchants like Instacart
- Hotel loyalty program elite status
- Travel insurance coverage
- Unique access to events through Amex Front-of-the-Line and Amex Experiences
Comparatively, RBC Avion credit cards have been known to come with the following perks:
- Travel insurance coverage
- Priority airport services
- Airport lounge passes
- Partner merchant benefits with Canadian Tire, Moi Rewards, Petro-Canada, and more.
- Exclusive savings on Hertz car rentals and a free 12-month DoorPass subscription
Bottom Line
After comparing all the key areas above, we think that the American Express Membership Rewards program comes out just ahead of the RBC Avion Rewards program thanks to its slightly higher credit card earn rates and its longer list of airline and hotel loyalty program transfer partners.
That said, RBC Avion is a very close second, offering strong earning rates and incrementally better value in terms of fixed-price flight redemptions.
All and all, both programs stand out in the Canadian loyalty landscape as not only being powerful and versatile, but also being easy to access and enjoy.
If you’re interested in saving money on your future travels, we highly recommend exploring these programs further and signing up for one or both of them.
You can also check out other valuable programs in our Head-to-Head: TD Rewards vs. Scotiabank Scene+ article and learn even more ways to save on travel, daily expenses, and more.
FAQs
Which credit cards earn RBC Avion Rewards points?
The following credits cards allow you to earn RBC Avion Rewards points, with earn rates as high as 3 points per $1 spent:
Which credit cards can I use to earn American Exprsss Membership Rewards points?
In Canada, American Express Membership Rewards points can be earned on the following credit cards:
What’s the best way to redeem RBC Avion Rewards points?
Ultimately, the best way to redeem RBC Avion Rewards points depends on your personal travel and financial priorities since the best redemption is the one you’ll appreciate and enjoy.
That said, with RBC Avion Rewards points, you can get the best value by redeeming them for flights through the RBC Travel Redemption Schedule.
What’s the best way to redeem American Express Membership Rewards points?
To get the best value from your American Express Membership Rewards points, we recommend transferring them to partnered airline and hotel loyalty programs and using them to save on flights and hotels. This option is the easiest and most consistent way to get at least 1.7-2 cents per point in value that we think these points are worth.
However, if you don’t want to use your points for travel, you can also redeem them in other ways (e.g., statement credits) for a value of 1 cent per point and even more ways for lower value.
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